Savings Information Current savings? $ Monthly savings? $ Years until retirement? Stock Assets Rate of return? % Allocation percent? % Bond Assets Rate of return? % Allocation percent? % Cash Assets Rate of return? % Allocation percent? % Printer-friendly version Savings Information Total Contributions Total Gains Total at Retirement Chart Table Total Cost of Loan Contributions Gains Total Stocks Bonds Cash Total Submit Asset allocation for retirement savings involves balancing investments across stocks, bonds, and cash to manage risk and growth potential based on your time horizon and risk tolerance. Stocks typically offer higher long-term growth but come with greater volatility, making them suitable for younger investors with a longer time to recover from market downturns. Bonds provide more stability and income, acting as a buffer against stock market fluctuations, while cash ensures liquidity and preserves capital for short-term needs. As retirement approaches, shifting towards a more conservative mix—reducing stocks and increasing bonds and cash—can help protect savings while maintaining steady income.